I did same search and found 49 entries. None were your posts.

I read FAQ 3 weeks ago when I joined so did not recall all the info provided. I reread after your post and did not see answers to All of my questions.

Two people have posted links and appears they have answered all my questions. They seemed to understand concept of "Hand Calculations" even though my words have no meaning.

I do appreciate your followup. Again very cynical but helpful none the less.

Regards